Polk County, TN: Home-Insurance Distress & Forced-Sale Pressure
Polk County, TN: 27/100 (moderate) home-insurance distress; Polk, TN band LOW; Polk, TN #1,805 of 3,222 counties; Polk, TN #71 of 95 in Tennessee; raw Polk, TN 31.2; Polk, TN coverage multiplier 0.85.
FEMA hazard, Polk, TN: 52/100; Polk, TN declarations, three years: 8; Polk, TN perils: 4 severe-storm; Polk, TN five-year count 10 (severity 17.0); Polk, TN ten-year 10; hazard-weighted, Polk, TN: 4.0.
Declared incidents on the Polk, TN record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Polk, TN); 2024 Severe Storm 2; 2023 Severe Storm 2 (Polk, TN).
NFIP claims, Polk, TN, three years: none; Polk, TN claim-stress 0/100.
Polk, TN monthly score fell, 30 (March 2026) to 26 (October 2026); Polk, TN by month: March 30, April 30, May 30, June 30 (Polk, TN), July 27, August 36, September 27, October 26.
Polk, TN components: climate 52; Polk, TN retreat index 26; Polk, TN climate multiplier 0.85.
Construction distress, Polk, TN: 50/100 as of August 2026 (Polk, TN: 50/100 one-to-four unit, 38/100 multifamily).
Polk, TN ZIPs, June 2026 (Polk, TN, 13 highest): score 0 (Polk, TN), climate 75 (Polk, TN): 37323; score 0 (Polk, TN), climate 70 (Polk, TN): 37310; score 0 (Polk, TN), climate 55 (Polk, TN): 37309; score 0 (Polk, TN), climate 36 (Polk, TN): 37362; score 0 (Polk, TN), climate 30 (Polk, TN): 37325; score 0 (Polk, TN), climate 29 (Polk, TN): 37369; score 0 (Polk, TN), climate 27 (Polk, TN): 37307; score 0 (Polk, TN), climate 26 (Polk, TN): 37316, 37317, 37326, 37333, Polk, TN 37361, 37391.
DLRadar rescores Polk, TN monthly; Polk, TN readings join Polk, TN foreclosure, lien and ownership parcels (Polk, TN), so cost-squeezed Polk, TN owners surface before listing.
Inside Tennessee, Polk County ranks 71st of 95 counties for home-insurance distress at 27/100; Perry County (27/100) sits just above Polk County, and Wayne County (27/100) sits just below Polk County.
Deterministic. Every Polk County, TN signal traces to a public Polk dataset (FEMA, NFIP, Census for Polk, TN) · how insurance distress works in Polk, TN · methodology
FAQ: Polk County, TN insurance distress
What is the Polk County, TN home-insurance-distress score?
Polk, TN: 27/100 (LOW), #1,805 of 3,222, #71 in Tennessee. FEMA hazard, Polk, TN: 52/100; NFIP stress, Polk, TN: 0/100; construction, Polk, TN: 50/100; Polk, TN rescores monthly.
Is Polk County insurance distress getting better or worse (TN)?
Polk, TN: 30 in March 2026; Polk, TN: 26 in October 2026 (better); Polk, TN climate component 52.
Which Polk County ZIP codes carry the most insurance distress (TN)?
Polk, TN, June 2026: 37323 at 0, 37310 at 0, 37309 at 0, 37362 at 0; Polk, TN climate scores there: 75, 70, 55, 36.
Why does Polk, TN insurance distress create sellers?
A Polk, TN premium outruns the Polk, TN budget; a carrier leaves Polk, TN; Polk, TN carrying cost passes plan; Polk, TN owners sell while current; Polk, TN insurance distress leads Polk, TN foreclosure data.